It was worth a mention of Astro IPO in FD thread as some FD musical chair players here might want to re-consider their placement tenure due to the IPO. We even discussed about the design of ang-pao packets here because it was related to the  CNY FD promotion then.

Just wondering..my UOB 3months FD has matured a couple days ago.. Is it possible to bring the slip and retrieve it at any UOB branch? Or must I go back to the branch where I made the deposit?

And you know what, I just found out that the  "OCBC FD Cert" is "worthless". You don't need to bring that piece of paper when you want to withdraw your FD with OCBC. Just bring your NRIC will do.

Bro, the statement also states the interest rate, the period and maturity date lah; but I still prefer to look at the "worthless" cert, haha.


To All:

And I just recommended a friend to OCBC Premier Banking. Half of his AUM enjoys 5% for 3 months and the other half was deposited into the OCBC Combo Plan. He also needed to open a new Basic Savings Account (with RM20) because he needs to "purchase" 3 products to be eligible for the 5%.

He as happy that he's earning more from FD interest and I was happy too; because, for introducing him, OCBC rewarded me RM100 cash voucher  Click on below link to see it.

Click here to read my revised and updated article on PB retitled Premier Priority Privilege Banking Accounts. This updated revised article now include comments for OCBC Premier and StanChart Priority Banking Account.

i only got RM50 secret recipe voucher for each recomendation, got a few though

Btw, BR gave cash 0.1% for recomedation on FD, usually I gave back to depositors..

Do OCBC still give Mont Blanc for Premier Banking ?

Bro, just for clarification. I have both as below.

1. OCBC Combo deals 80% FD 4.5%, 20% in Smart Savers (deposit next 2 mths RM1k each).
If I use Giro, to transfer on 1 September then its considered after clearance around 3/4 Sept?

If you open saving combo in Aug, you can bank in any day from 1 sept to 30 sept. Need not to be on the 1st of sept.

If you bank in rm50, you will get 2.85% interest instead of 3%.

I opened saving combo in jul and I have not banked in any amount into smart saver till now because next week I will do the top up on my existing saving combo. The 20% of my FD will be bank into the SS account, thereby I will fulfill the requirement of bank in at least one k.

In sept when rate drop to 4%, but effectively it is 3.8 % per Gen-x calculation, I will top up my existing saving combo and again the 20% of my FD will be bank in SS, again fulfilling the requirement of banking in min. 1k.


2. Online FD is a different deal altogether using different Saving Account, am I right ?

Online Fd is different and you have to use the saving account. not supersaver account coz any withdrawal from SS will forfeit your max 3% interest.

if i no mistaken, mbsb is no pidm protected

which fixed deposit account is better for 10k saving only?

not open to everyone?? 

when is green moon? Which month is that?

This one pretty straight forward 

this is not bad, i like it, same with sr citiz 3.6%.

not many t&c, straightforward. just need to open savings a/c with rm200, then withdraw with atm card next day!

12m tenure, int paid every month, can spend already...

I have just gone for OCBC FD/Saving combo 3-month 4.5%p.a promo....
Hehehe, die hard FDMCGC member here, even though it is a bit complicated. 
Gone to the Masjid Jamek branch, the premier banking tellers were terrible, straight faces and don't know the product details.
Luckily got a helpful sweet RM helping me.    Deal done within 30min time with nice Espresso while waiting...

Confirm the following from the RM:
1. promo revised to end by 31 Aug, new promo not annouced yet but likely lower rate.
2. the smart saver account (SSA) can be cancel after 3 months without charge.
3. amount in SSA can be earmarked once only per day even if you split to multiple FD cert, but you still get the flexibility of uplifting individual cert. The key is the earmarked amount is untouchable to entitle for 4.5% FD rate.
4. interest for SSA is credited at end of each month.
5. interest for SSA in the same month as FD start will get 3%, as you already deposited min RM2k (so it is best if you get into this at beginning of the month, i.e. 3% for the entire month)
6. interest for SSA is calculated for each month and no dependancy in between months, i.e. you can choose to deposit 1k the 2nd month and no deposit on the 3rd month.
7. Banker's cheque upon uplifting of FD will cost RM0.15.
8. FD starts on the same date as cheque deposit date.
9. If use SSA as the source of fund for online FD, it will be consider withdrawal and get only 0.5% even the original earmarked amount is untouched.

Aiyo, if like that I don't have to specifically deposit 1k on 1st sept in order to earn 3% for whole duration of sep la.
Ocbc staff told me if I deposit 1k say on the 16 sep, then interest entitlement will be 1st to 15th sep will earn 2.5% and 16th to 30th will earn 3%.

Any about CIMB for next month?

the 3% earning is based on RM1000 or the total amount in saving account?

Congratulation, somehow I feel good that everybody here got it.